Free calculators
Calculators for UK money decisions: when to stop work, take-home pay, an ISA or a pension, the Child Benefit charge, National Insurance gaps and job offers. No account, and nothing you type leaves your browser.
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Pension bridge calculator
How much it takes to cover the years between stopping work, reaching a private pension at 55 or 57, and State Pension age. Free, UK rules, no account, nothing stored.
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Retirement number calculator
The investments that would pay for a year’s spending at a 4% withdrawal rate, and how many years of saving it takes to get there. Free, no account, nothing stored.
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Take-home pay calculator
Take-home pay for a UK salary on 2026/27 rates, with pension and student loan, and what happens to the next £100, including the band from £100,000 to £125,140. Free, nothing stored.
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ISA or pension calculator
The same pay before tax, into a pension with tax relief or into an ISA after tax: what each comes to when drawn, in today’s money. Free, UK rules, no account, nothing stored.
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Child Benefit charge calculator
The High Income Child Benefit Charge for an adjusted net income from £60,000 to £80,000, and how a pension contribution lowers it. Free, 2026/27 rates, nothing stored.
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National Insurance gaps calculator
What a year of voluntary Class 3 or Class 2 National Insurance costs on 2026/27 rates, and roughly how much new State Pension a qualifying year adds. Free, nothing stored.
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Compare two job offers
Two salaries side by side: take-home pay after Income Tax, National Insurance and student loan, and what goes into a pension from you and the employer. Free, 2026/27 rates, nothing stored.
Keeping the figures
This page forgets your figures when you leave it. Oxygene Finance runs the same sums on your own pensions, ISAs, savings and property, for one or two people, and keeps them up to date as your figures change. Features and plans shows what is free and what is Premium.
Hear when sign-up opens
Sign-up opens to everyone later. Leave your email address and we will tell you when it does. This does not create an account, and we keep nothing about you but the address.
We send one email to confirm the address. If nobody confirms it, it is deleted after 7 days. Once confirmed, it is kept until you leave the list, or three months after sign-up opens to everyone, whichever comes first. How we handle it: Privacy Policy.
Oxygene Finance provides information, not financial advice. Figures are estimates based on what you enter and on assumptions you can change. For decisions that matter, a regulated financial adviser or an accountant can look at your whole situation.